NEW YORK, Jan 5, 2026, 07:31 ET — Premarket
SoFi Technologies (SOFI.O) shares rose 0.8% to $27.68 in premarket trading on Monday, with about 156,000 shares traded, according to Public.com data.
The early lift keeps attention on the Nasdaq-listed fintech ahead of a late-January earnings report that could reset expectations for loan growth and funding costs at the start of the year.
That matters because SoFi’s results tend to trade with the interest-rate outlook. Investors will be watching net interest income — the spread between what a lender earns on loans and what it pays for deposits and other funding — for signs margins can hold up if rate cuts slow.
SoFi said it plans to release fourth-quarter and full-year 2025 results at about 7 a.m. ET on Jan. 30 and host a conference call at 8 a.m. ET.
The stock’s last regular-session close marked a strong start to 2026, after a volatile day that saw shares range from $25.79 to $27.51 on heavy volume. The $27.51 intraday high is the nearest resistance level on the chart, while Friday’s $25.79 low is the first support.
SoFi is one of several consumer-facing online lenders that can swing on changes in borrowing costs and on any shift in investor views about credit quality as the economic cycle matures.
The first major macro test comes Friday, when the U.S. government releases the December employment report at 8:30 a.m. ET, according to the Bureau of Labor Statistics schedule.
Inflation is next. The BLS calendar shows the consumer price index for December is due Jan. 13 at 8:30 a.m. ET, another data point that can move rate-cut expectations and financial stocks.
The Federal Reserve’s next policy meeting runs Jan. 27-28, placing its decision just two days before SoFi reports.
Macro is already dominating investor focus. “Soon, we’ll come crashing back into the reality of macroeconomics,” Jeremy Stretch, head of G10 FX Strategy at CIBC Markets, told Reuters, referring to the week’s U.S. data flow. Reuters
But the stock’s next big move may hinge on SoFi’s own numbers: any sign of softer loan demand, higher credit-loss provisions, or weaker margin trends could sour sentiment quickly after recent gains.
